The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$26,360
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,180
−HK$833/mo
Today · 4.125%
HK$28,013
baseline
▲ 0.50% · 4.625%
HK$29,717
+HK$1,704/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,026/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,325
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,112
−HK$797/mo
Today · 4.125%
HK$30,909
baseline
▲ 0.50% · 4.625%
HK$32,539
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,818/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,632
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,616
−HK$999/mo
Today · 4.125%
HK$33,615
baseline
▲ 0.50% · 4.625%
HK$35,661
+HK$2,046/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$67,230/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,190
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,134
−HK$957/mo
Today · 4.125%
HK$37,091
baseline
▲ 0.50% · 4.625%
HK$39,046
+HK$1,955/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$74,182/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,904
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,052
−HK$1,166/mo
Today · 4.125%
HK$39,218
baseline
▲ 0.50% · 4.625%
HK$41,604
+HK$2,386/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,436/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,055
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,156
−HK$1,117/mo
Today · 4.125%
HK$43,273
baseline
▲ 0.50% · 4.625%
HK$45,554
+HK$2,281/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,546/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,448
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,924
−HK$1,499/mo
Today · 4.125%
HK$50,423
baseline
▲ 0.50% · 4.625%
HK$53,491
+HK$3,068/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,846/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,785
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,201
−HK$1,436/mo
Today · 4.125%
HK$55,637
baseline
▲ 0.50% · 4.625%
HK$58,570
+HK$2,933/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,274/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,501 · Scale 2, in force from 26 Feb 2026)